The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$54,309
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$55,998
−HK$1,717/mo
Today · 4.125%
HK$57,715
baseline
▲ 0.50% · 4.625%
HK$61,226
+HK$3,511/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$115,430/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,012,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,418
−HK$3,264/mo
▼ 0.25% · 3.875%
HK$62,039
−HK$1,643/mo
Today · 4.125%
HK$63,682
baseline
▲ 0.50% · 4.625%
HK$67,039
+HK$3,357/mo
Deposit HK$11.91M · loan HK$11.91M · min. income ≈ HK$127,364/mo (50% DSR)
Upfront cash ≈ HK$12.92M (deposit + AVD stamp duty HK$1,012,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,171
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$67,198
−HK$2,060/mo
Today · 4.125%
HK$69,258
baseline
▲ 0.50% · 4.625%
HK$73,472
+HK$4,214/mo
Deposit HK$9.53M · loan HK$14.29M · min. income ≈ HK$138,516/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,502
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$74,446
−HK$1,973/mo
Today · 4.125%
HK$76,419
baseline
▲ 0.50% · 4.625%
HK$80,447
+HK$4,028/mo
Deposit HK$9.53M · loan HK$14.29M · min. income ≈ HK$152,838/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,012,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,033
−HK$4,767/mo
▼ 0.25% · 3.875%
HK$78,398
−HK$2,402/mo
Today · 4.125%
HK$80,800
baseline
▲ 0.50% · 4.625%
HK$85,717
+HK$4,917/mo
Deposit HK$7.15M · loan HK$16.67M · min. income ≈ HK$161,600/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,585
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$86,854
−HK$2,301/mo
Today · 4.125%
HK$89,155
baseline
▲ 0.50% · 4.625%
HK$93,855
+HK$4,700/mo
Deposit HK$7.15M · loan HK$16.67M · min. income ≈ HK$178,310/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$1,012,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,756
−HK$6,130/mo
▼ 0.25% · 3.875%
HK$100,797
−HK$3,089/mo
Today · 4.125%
HK$103,886
baseline
▲ 0.50% · 4.625%
HK$110,208
+HK$6,322/mo
Deposit HK$2.38M · loan HK$21.44M · min. income ≈ HK$207,772/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,012,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,753
−HK$5,875/mo
▼ 0.25% · 3.875%
HK$111,669
−HK$2,959/mo
Today · 4.125%
HK$114,628
baseline
▲ 0.50% · 4.625%
HK$120,670
+HK$6,042/mo
Deposit HK$2.38M · loan HK$21.44M · min. income ≈ HK$229,256/mo (50% DSR)
Upfront cash ≈ HK$3.39M (deposit + AVD stamp duty HK$1,012,225 · Scale 2, in force from 26 Feb 2026)